With small changes this social care cap can be made to fit

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It’s easy to poke holes in the coalition’s plan for help with long-term social care costs. Those not eligible for means-tested support will have to find £75,000 before any state help. That covers only personal care, such as washing and toileting. People will still pay “hotel costs”, bed and meals, out of their own pockets. And the £75,000 is calculated only at what local authorities allow for care, not the higher fees for more luxurious homes that many choose.

The scheme does not start until 2017-18, and it will be at least three years after that until anyone gets anything.